While a little financial guilt can help us stick to a budget, it becomes unhealthy when it affects our ability to make rational decisions. Here are some common ways guilt interferes with our financial health.

With the average home price hovering around $454,000, a 20% down payment rings in at just over $90,000, a daunting figure for even the savviest of savers. So it’s no surprise that many people tap into the Home Buyers’ Plan.